The difference is that we're a fully regulated insurance company (as opposed to brokers like Guevara or other p2p insurance startups). It means that we can control the experience end to end and build an insurance company with a different business model than how traditional insurance companies do business. This is why we can give unclaimed money back to charity.
Hey, this is Maya from Lemonade, we believe people are inherently good and when faced with the option of embellishing their claim and pocketing more money or claiming what they deserve and make sure their cause receives the extra money left- most people (we hope) will choose the latter.